Local briefing · OR
Payday loans in Stayton, OR
If you are weighing a payday loan in Stayton, OR, the rules that apply come from Oregon rather than the city: payday lending is permitted for licensed lenders in Oregon, inside the state fee cap. Stayton has about 8,225 residents and ranks 64th of 240 places in the state. Start with the sourced fee cap below, then compare the APR against an installment loan.
Advertising disclosure: Paydayloaning may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.
Payday lending in Oregon
Legal for licensed payday/title lenders
The local picture
Payday loan rules that apply in Stayton
Every figure below is published by the state or the regulator that sets it, with a link to the primary source. These rules apply to any lender serving Stayton — Oregon's fee cap is not adjusted city by city.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | 9% per annum default legal rate where the parties have not agreed to a rate.Source quoteSource says: "The rate of interest for the following transactions, if the parties have not otherwise agreed to a rate of interest, is nine percent per annum" (ORS 82.010(1)). | Oregon Legislative Assembly (Oregon Revised Statutes) as of 2026-09-16 |
| Payday lending status | Legal for licensed payday/title lenders; term 31-60 days; one-time 10% origination fee capped at $30; interest limited to 36%/yr; max APR 153.77%.Source quoteSource says: "Interest rates are limited to 36 percent annually. The maximum APR (interest and fees) is 153.77 percent"; "A one-time 10 percent loan origination fee, up to a maximum of $30 for a new loan"; "The payday or title loan must be for at least 31 days and not longer than 60 days." | Oregon Division of Financial Regulation as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer finance license required to make consumer finance loans of $50,000 or less; license issued by the Director of the Department of Consumer and Business Services.Source quoteSource says: "a consumer finance loan of $50,000 or less... unless the person first obtains a license under this chapter" (ORS 725.045). | Oregon Legislative Assembly (Oregon Revised Statutes) as of 2026-09-16 |
| State lending regulator | Oregon Division of Financial Regulation (Department of Consumer and Business Services)Source quoteSource says: "Protecting Oregonians' access to fair products and services through education, regulation, and consumer assistance." | Oregon Division of Financial Regulation as of 2026-09-16 |
| Unlicensed lending consequence (state-specific rule) | Unlicensed consumer finance loans are void and uncollectible (principal, interest, fees).Source quoteSource says: "the consumer finance loan is void... may not... collect, receive or retain principal, interest, a fee or a charge related to... the consumer finance loan" (ORS 725.045(1)(b)). | Oregon Legislative Assembly (Oregon Revised Statutes) as of 2026-09-16 |
What a payday loan costs in Stayton
The number that matters is not the fee on the day you borrow — it is the total you repay if the loan is renewed. A rollover adds a fresh fee without reducing what you borrowed, which is how a two-week advance turns into months of payments. Some states cap the number of renewals; whether Oregon does is in the sourced table above. If you cannot clear the balance on the due date, ask the lender for a written repayment plan before you renew. How rollovers compound.
Cheaper alternatives in Stayton
If you are a credit-union member, ask about a payday alternative loan (PAL). Federal credit unions can offer small loans at a capped APR with a longer repayment window than a payday advance, and the application usually costs less. If you are not a member, joining a local credit union is often quick and is one of the cheapest ways to borrow a few hundred dollars. How PALs work.
About Stayton
- Population: 8,225 (US Census Bureau, Vintage 2023 subcounty estimate).
- Size in Oregon: the 64th-largest of 240 Census places in the state.
- Population trend: Its population fell about 0.2% between the 2020 Census base and the 2023 estimate.
- Nearest larger cities: Salem, OR (14 mi); Silverton, OR (14 mi); Keizer, OR (18 mi). Bigger markets often have more lenders, but a lender licensed in Oregon serves Stayton under the same state rules.
Before you borrow in Stayton
- Confirm payday lending is permitted in Oregon and check the maximum fee in the table above.
- Compare the APR, not the dollar fee — that is the only way to compare a two-week loan with a two-year one.
- Run the numbers with our loan payment calculator to price the same amount as an installment loan.
- Verify the lender is licensed in Oregon with the regulator listed above.
- Never give a lender remote access to your bank account beyond the amount you actually owe, and ask for any repayment plan in writing.
Advertising disclosure: Paydayloaning may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.
Frequently asked questions
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Nearby places
All Oregon citiesNearest Census places by distance.